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Confidential 218 December 2012
Agenda
•ACI Retail Solution / BASE24-eps overview
•BASE24-eps features and differentiators
•Supporting solutions overview
•Summary and Q&A
2
Confidential 418 December 2012
ACI Retail Payments Solution
ATM, POS, authorisation networks, retail banking core systems
Payment scheme clearing and settlement
ISO8583 auths interface
Card and mobile personalization
Cardholder
postings
Merchant
postings
Acquired
transactions
Authorisations
18 December 2012 Confidential 4
Confidential 518 December 2012
Evolution supported by the ACI Reference Architecture
Be the leading provider of a unified payment solution
ACI payment services bus using a service-oriented architecture
ACI product interoperability
Unified hardware platform
ACI Software Development Kits (SDK)
Confidential 618 December 2012
BASE24-eps Product Overview
Flexibly acquires, routes, authenticates and
authorizes Electronic Payment Transactions
Multi-channel
– ATM, POS, Kiosk, Teller, OLB, Mobile, etc.
– Interfaces to national and international networks
Authorization Script Engine improves time-to-
market for new products and features and
reduces implementation and maintenance
efforts
Highly configurable
Open System Design (C++, Java, OOAD, Web
Services Messaging) allows for SOA
Implementations
Open platform for Hardware platform independence
Highly scalable and reliable
Integration with ACI’s fraud solution, back office
solutions and monitoring solutions
REDUCES TCO WHILE ENHANCING BUSINESS FUNCTIONALITYREDUCES TCO WHILE ENHANCING BUSINESS FUNCTIONALITY
An integrated e-payments engine featuring advanced authorization, authentication, routing and device management services
Operating System and Database Specific Layer
Common Low-level Functions Layer
IBM Sys zDB2
IBM Sys pDB2 / C-Tree
Hp-NonStopEnscribe
SUNC-Tree
Transaction Engine - Business Function Layer
Issuer, Acquirer, and Switch
Scripted Authorization Advanced Routing
DeviceManagement
Transaction API Issuer & Acquirer
SwitchConnectivity
Intelligent HostConnectivity
Communications Layer
ATM, POS,Teller, Kiosk
IVR, OLB,Mobile, Web
MC, Visa,Amex, etc.
HostSystems
18 December 2012 6Confidential
Confidential 718 December 2012
BASE24-eps Success Stories
European Bank Completed BASE24
to BASE24-eps Migration
…migration from BASE24 to BASE24-
eps. Fully live. BASE24 no longer in
use since Jan 2012. Includes ATM
driving, scheme connectivity and
interfaces to other systems.
European Bank Completed BASE24
to BASE24-eps Migration
…migration from BASE24 to BASE24-
eps. Fully live. BASE24 no longer in
use since Jan 2012. Includes ATM
driving, scheme connectivity and
interfaces to other systems.
European Financial Institution Multi-
country consolidation
… consolidation of existing solutions onto BASE24-eps. Switching and acquiring
across multiple European countries with rollout plans for additional business
requirements and additional countries.
European Financial Institution Multi-
country consolidation
… consolidation of existing solutions onto BASE24-eps. Switching and acquiring
across multiple European countries with rollout plans for additional business
requirements and additional countries.
Credit Agricole Cards & Payments
Implementing a system to drive a 22,000 ATM network and achieve cost reductions by consolidating its systems, providing a standard platform for its international operations and give it the flexibility and scalability to add new services and support volume.
Credit Agricole Cards & Payments
Implementing a system to drive a 22,000 ATM network and achieve cost reductions by consolidating its systems, providing a standard platform for its international operations and give it the flexibility and scalability to add new services and support volume.
Central Bank of Oman
“For a project as critical to our national infrastructure as a new national switch, it was essential we worked with suppliers we could trust, who had proven, scalable and reliable technology that we knew could meet our current and future demands”.
Central Bank of Oman
“For a project as critical to our national infrastructure as a new national switch, it was essential we worked with suppliers we could trust, who had proven, scalable and reliable technology that we knew could meet our current and future demands”.
18 December, 2012 Confidential
Business Components
Scripted
Control
System Interface Services
Journal Perusal
Account
Prefix
Authorisation
Transaction
Journal
Extract Router
HostInterchangeWebPOSATM
Limits
Institution
Merchant
Messaging Data Access Date/Time
Foundation Components
Event Timer
ArchitectureIntegrated Server components are C++ objects that perform a specific
business, foundation, or platform-specific function.
Application Architecture
18 December, 2012 Confidential
• Flexible routing configuration results in far less customisations
• Routing can be configurable by - Acquirer- Issuer- Processing code - From/to account types - Authentication method - Floor limit
• Routing destinations may include - Internal authorisation (BASE24-eps Scripts)- External issuing end-points (Hosts, Card Schemes etc)
• File update messages are supported (interface dependant)• Pre-screening with BASE24-eps pre screen scripts• Advices• Routing to more than one destination• STIP•Ease of integration with other systems
Routing and Authorisation
18 December 2012 11Confidential
The Authorisation Scripting Engine
Script EngineScript EngineScript EngineScript Engine
RouterRouterRouterRouterRouter determines script selection
Transaction Data ElementsTransaction Data ElementsTransaction Data ElementsTransaction Data ElementsEtcEtcEtcEtc…………
Country CodeCountry CodeCountry CodeCountry CodeCurrency CodeCurrency CodeCurrency CodeCurrency Code
Tran. AmountTran. AmountTran. AmountTran. AmountPANPANPANPAN
BuiltBuiltBuiltBuilt----in Functionsin Functionsin Functionsin Functions
e.g. card lookup, PIN verification
Scripts written inScripts written inScripts written inScripts written inJavaScriptJavaScriptJavaScriptJavaScript----likelikelikelike
syntaxsyntaxsyntaxsyntax
AuthData
Scripts have built-in access to transaction data elements and authorisation data
18 December, 2012 Confidential
Limits and Usage
• BASE24-eps transaction limits are user-defined limits on transaction activity allowed on accounts and payment-instruments (cards)
• Transaction limits are implemented using authorisation scripts
• You can create transaction limits for any type of transaction activity you want to limit
•Transaction limits are typically defined relative to a particular span of time called a usage period.
• Transaction limits can be defined in two basic forms:- A maximum monetary amount that can be approved during a single usage period for some type of transaction activity.- A maximum number of occurrences that can be approved during a single usage period for some type of transaction activity.
• BASE24-eps transaction limits are configured using limit profiles
18 December, 2012 Confidential
Multi-Channel
•Card authorisation
•Account authorisation
•Customer authorisation
•Voice authorisation
•Device drivers
•Host interfaces
•Scheme interfaces
•XML
•Web services
ATM, POS,Teller, Kiosk
IVR, OLB,Mobile, Web
MC, Visa,Amex, etc.
HostSystems
18 December, 2012 Confidential
NETWORK INTERFACES
• FDR ISO (US)
• Fifth Third (US)
• German GICC
• German ISO
• JCB (Japan)
• Jeanie* (US)
• KNET (Kuwait)
• Link (UK)
• MDS Debit and Credit*
• MNET (Pakistan)
• NetWorks (US)
• NYCE* (US)
• Presto (US)
• Pulse* (US)
• SAMA SPAN2 (Saudi Arabia)
• Shazam (US)
• STAR* (US)
• UAE (United Arab Emirates)
• Visa DPS* (US)
• VisaNet SMS/BASE I*
• Price (Spain)
• ABI ISO (Italian)
• ACCEL/Exchange* (US)
• AFFN* (US)
• American Express CAPN (US/CDN)
• AS2805 (Australia)
• American Express GNS
• Artajasa (Indonesia)
• Bank of America Merchant Services (US)
• Banknet*
• Circuit (Canada)
• CUP (China)
• DIAS (Greece)
• Discover (US)
• Benefit (Bahrain)
• CO-OP (US)
• CU24* (US)
• EFD (eFunds) (US)
• Elan (US)
• e-RSB (France)
• EQUENS (NLs)
Comprehensive functionality – card schemes
18 December, 2012 Confidential
Comprehensive functionality - devices
• ATM
– Diebold
– NCR NDC+
– Wincor NDC
– Wincor DDC
– Triton
– Tidel
– IFX
• POS
– APACS
– German POS
– Hypercom
– SPDH
– AS2805
• HSM
– Atalla Network Security Processors
– Banksys DEP
– Bull Crypt2Pay
– IBM Cryptographic Coprocessors
– SafeNet (Eracom) ProtectHost
– Thales Host Security Modules
18 December, 2012 Confidential
Comprehensive integration features
• Integration with ACI solutions
•Standard host and other interfaces
•Scriptable near real time feed
•Real time and near real time fraud interface
•Split routing to multiple destinations
• ICE-XS, Web Access Services for SOAP, XML, etc
18 December, 2012 Confidential
Proven scalability and reliability in production
•Deployment options
–High availability
– Active / Passive
–Active / Active
–All proven in production
•Transaction volumes
–Over 2,000 tps in benchmarks
–Over 1,000 tps in production
Confidential 2018 December 2012
A range of solutions, integrated with ACI applications
•ASSET Test Tool and Testing Services
–Automated functional and performance testing
• Test packs supported in line with scheme mandates
–Expert test services
•ACI Payment Service Management
– Powered by Prognosis
–Monitoring and business performance platform
•ACI Communication Services
– ICE-XS
–Web Access Services
– Enterprise security services
•GoldenGate
–Data replication
•Spectrum MoneyGuard
–SMS alerting
Confidential 2218 December 2012
BASE24-eps summary
•Flexibility
–Configuration
–Scripting (auth, extract, journal, perusal)
– Limits / usages
–Routing
– Profiles
–Not card centric
•Functionality
–Global
–Multi-language
• Interoperability
–Standalone or highly integrated
–Other ACI solutions
–Online extract (near-real-time feed)
– Split routing
– Pre-screen, impacting
Confidential 2318 December 2012
BASE24-eps summary
•Performance and Architecture
–Multi-platform
–Data Partitioning (e.g. journal / card)
– Ease of tuning and balancing
–Benchmarked to over 2000 tps
•Maintenance
–Customisation methodology
–Service packs
–Upgrades
– Frameworks
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